Welcome to Credit Reclaim
Do you have Credit Cards / Loans /HP agreements that were taken out before April 2007?
Would you like yours examined to see if you qualify for either write off or huge reduction in balance?
If you can answer “YES” to both these questions then we may just be able to help you.
CALL US NOW 01245 252018
We have a team of experts on standby to check your agreements to ensure they comply with the Consumer Credit Act.
As a result of recent amendments to the law and subsequent court cases, it is clear that most agreements do not comply with Act and we may therefore be able to completely write off your balance or obtain a substantial reduction.
Why delay? – contact us now and see whether you can fight back against unlawful contracts.
Here at Credit Reclaim we specialise in challenging Banks and Finance Companies on your behalf for those mis-sold credit agreements, insurance policies and finance products.
Our team of case managers will assess those agreements that you entered into to check if those agreements complied with the Consumer Credit Act 1974. We have established that invariably there are flaws and defects in your Credit Agreements which are challengeable under the Consumer Credit Act 1974. Millions of credit cards & agreements, secured & personal loans are in breach of this Act. We can help you save thousands of pounds if your credit agreement is unenforceable due to the changes made in the Act.
ACT NOW - ACT QUICKLY
If you credit agreement was issued before April 2007, then you as an individual have a chance to make a claim and potentially either reduce or wipe your balance.
We can audit the following on your behalf –
Credit Card Agreements, Secured and Unsecured loans, HP & Car Finance, Payment Protection Insurance.
http://www.creditreclaim.co.uk/
How It Works
The Consumer Credit Act 1974 requires banks and finance companies to comply with strict procedures and protocols when offering credit agreements to their customers. Some credit agreements entered into before April 2007 do not comply with the Consumer Credit Act 1974. As a result these defected agreements maybe deemed unenforceable depending on the nature of the defect.
We at Credit Reclaim are specialists in identifying defective agreements. Cases that we accept are then pursued against the particular bank or finance company for reducing the debt and possible compensation for breaches such as unauthorised commissions paid, unauthorised insurance policies, unfair administration fees and other unauthorised charges.
Step 1
Complete the Credit Reclaim Application form with one of our appointed representatives.
Step 2
Application form passed to specialist case manager to assess claims.
Step 3
If case accepted, Case Managers will then contact relevant lenders for a copy of the agreements.
Step 4
On receipt of these agreements Credit Reclaim will audit and review the agreements. Any agreements that we find to have defects will then be passed onto our panel of solicitors who will then investigate the details of the agreement, confirm the defects and pursue a claim on your behalf.
Step 5
Typically the whole process can take up to 3-9 months for a successful claim.
WHY IT WORKS
There are many reasons a Credit Agreement may be unenforceable some of which are:
• • Interest Rate is not stated on the agreement
• • Total amount repayable & Number of instalments not shown
• • Agreement not signed by either customer or lender
• • Mis-selling of Payment Protection Insurance
• • Miscalculation of APR’s
Credit Reclaim we check your agreements complied with the Legal Requirements as defined in the Consumer Credit Act 1974.
http://www.creditreclaim.co.uk
http://www.creditreclaim.co.uk/
